Government set to Recapitalise ADB as Bank Posts Strongest Financial Performance in Years
The Finance Minister, Dr. Cassiel Ato Forson, has announced the government’s decision to recapitalise the Agricultural Development Bank (ADB) in the coming days. The announcement was made by the Finance Minister as part of the 2026 Budget Statement (page 145, item number 1191) presented to Parliament on Thursday, November 13, 2025. The decision has been hailed as timely and strategic, especially coming at a moment when the Bank is delivering its most impressive financial performance in decades.
ADB posted pre-tax profit of GH¢447 million for the third quarter of 2025, more than double the GH¢176 million recorded over the same period last year. Profit after tax also surged to GH¢288 million, while total operating income climbed to GH¢1.71 billion, supported by solid growth in both interest and non-interest income. The Bank’s liquidity ratio is well above regulatory thresholds, ensuring comfort and easy access to funds and other banking transactions at any time by our customers.
Against this backdrop of renewed progress, government’s planned capital injection is expected to accelerate ADB’s upward trajectory.
In his comment on the 2026 budget statement presented by the Finance Minister to Parliament, the Managing Director of ADB PLC, Edward Ato Sarpong, expressed the deepest appreciation of the Bank to its shareholders, particularly the government, for the recapitalization decision. “The planned recapitalisation of ADB is a strong vote of confidence in the institution’s resilience, performance and national mandate,” the MD said. “ADB is on the verge of achieving a historic financial milestone, in terms of performance, and the planned recapitalisation provides a fresh momentum for the Bank to expand its operations and deepen support for national development,” he added.
He assured all stakeholders of ADB’s commitment and determination to consolidate its gains in the immediate term and to accelerate its growth in the medium to long term. He further assured stakeholders of the steadfast determination of the Board, Management, and Staff to make the Bank (ADB PLC) great and among the top 3 leading and performing banks in Ghana.
ADB remains committed to sustaining its growth momentum, strengthening governance, and delivering measurable impact in line with its mandate. As the Bank celebrates six decades of service, management believes the combination of strong underlying performance and stakeholder backing will position ADB to play an even greater role in Ghana’s development, a promise anchored in its brand philosophy, Beyond Banking.
The recent performance of ADB, some industry analysts say, underlines the bank’s disciplined execution of its transformation strategy and improved operational efficiency, which have led to the growing confidence of customers and the general public in the bank’s strategic direction.
